I am 21, still in college but i'd like to open up a roth ira. I know there are limitations regarding how much i can put in (i have less than $2000 earned income for 1998 but more than $2000 when i include capital gains, interest, etc...). Am I allowed to open up an IRA? If so, what is the limit? And what year's limit do i use? Do I use 1998 data even though it hasn't been filed yet? Or do I use 1997? Any help would be greatly appreciated.

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